标签： 南京夜生活娱乐

　　Dual-label cards have made great contributions to the development of credit card market in China. When the clearing market in China is about to open, the relevant departments have once again emphasized the market rules that foreign currency single-label cards should follow. Although it has caused some pains to this kind of products, it is still of positive significance to the future credit card market in China.

　　Double-label credit cards with the logos of UnionPay, Visa, Mastercard and other international card organizations printed on the card face will gradually withdraw from the market in the future. A few days ago, the Payment and Clearing Association issued a "Specific Contents of Policies on Single-label Foreign Currency Cards and Dual-currency Cards", requiring banks to stop issuing new dual-label credit cards.

　　It is also reported that the central bank recently convened major banks and related bank card organizations to hold a meeting on the issuance management of foreign currency single-label cards and double-label cards. The meeting emphasized that foreign card organizations can only provide foreign currency bank card clearing services for cross-border transactions before obtaining the qualification of domestic clearing business. The main spirit of the meeting included reaffirming that foreign currency single-label cards can only be kept in foreign currency, and can be used by overseas entities or online merchants, and the domestic use scope is limited to repayment in accordance with the provisions of the State Administration of Foreign Exchange. Any form of transaction within the territory will be regarded as illegal. At the same time, the issuing bank needs to sort out the functions of foreign currency single-label cards that do not meet the regulatory requirements, and the scope of application of new foreign currency single-label cards also needs to be agreed in the agreement.

　　Although it is confirmed that the dual-label bank card will not be able to issue new products, the dual-label card that everyone is using at present can still be used normally, but the dual-label card cannot be renewed after the expiration of the validity period, and it needs to be replaced by a foreign currency single-label card. Therefore, the dual-label card will gradually withdraw from the historical stage of credit cards in China.

　　recall

　　Dual-label cards have been issued in China for 14 years.

　　The so-called double-label card means that two card organization logos appear on a bank card at the same time. For example, there are both UnionPay and Visa logos on the bank card. International card organizations cooperate with UnionPay to issue dual-label cards, and the Bin number starts with foreign card organizations. For example, Visa Kaka number starts with 4, and Master Card number starts with 51-55, but all of them are used in China as the clearing channel of UnionPay, and are settled in RMB. The common dual-currency credit cards are UnionPay +Visa, UnionPay +Mastercard, UnionPay +JCB and so on.

　　It is understood that the first dual-label card was launched by China Merchants Bank in December 2002, which is of epoch-making significance. Lu Jinhua, a senior expert on bank cards, said that dual-label cards are the product of a special era with China characteristics. China’s dual-label card has the characteristics of China, which solves the problem of how domestic residents spend their money overseas and at home when RMB is not freely convertible, and solves the problem of high threshold for traditional credit cards. In less than two years, China Merchants Bank has issued more than 1 million dual-currency cards, which has set a miracle in the industry. Since then, major domestic banks have followed suit and launched their own dual-label cards, bringing the dual-label cards into a period of rapid growth. Cardholders can travel and shop with only one credit card at home and abroad, and they feel very convenient.

　　remove doubts

　　Why stop issuing double-label credit cards?

　　In fact, these measures mentioned above are all aimed at implementing the Measures for the Administration of Bank Card Clearing Institutions jointly issued by the Central Bank and the China Banking Regulatory Commission. Article 22 of the Measures has clearly stipulated that if an overseas institution cooperates with a domestic bank card clearing institution to authorize the issuance of bank cards, it shall adopt the identification code of the issuer of the domestic bank card clearing institution. Overseas institutions shall not engage in RMB bank card clearing business in disguised form through cooperation.

　　Rong 360 credit card analysts believe that the main reason for stopping issuing dual-label credit cards is that it is a product of the transitional period. In the special period when UnionPay did not popularize foreign payment and settlement business and foreign card organizations could not enter China, banks jointly issued dual-currency credit cards with UnionPay and foreign card organizations to facilitate cardholders to pay at home and abroad.

　　At present, the RMB clearing market is about to open, and foreign card organizations are expected to enter China and obtain the corresponding qualifications for payment and clearing, which may also issue their own brand credit cards in China, and require commercial banks to take their own channels for RMB transfer and clearing. It is precisely because there are two card organizations behind a card that the ownership of dual-currency credit cards is controversial. According to international practice, a card can only belong to one card organization, and the card organization is responsible for the transfer and liquidation. Therefore, under the premise that the RMB clearing market is about to open, the suspension of issuing dual-currency credit cards is to "clear the way" for foreign card organizations to enter the domestic market and facilitate the transfer and clearing of various card organizations in the future.

　　In addition, some professionals told the Beijing Youth Daily reporter that the dual-label multi-card is a magnetic stripe card, which is easy to be cloned and stolen, and it is also a technical reason for its withdrawal from the historical stage. After 2002, major card-issuing banks issued a large number of magnetic stripe dual-currency cards, which missed the initial period of chip cards. More and more magnetic stripe dual-currency cards have increased the migration cost and difficulty of credit card chips in China.

　　In Europe, where chip cards have been migrated, many POS machines no longer accept magnetic stripe cards, which makes many domestic cardholders who travel with magnetic stripe dual-currency cards feel inconvenient. The general chip abroad is EMV standard, while UnionPay is POB standard with China characteristics, which cannot be unified on one chip. The popularity of chip cards only supports credit cards with a single settlement channel and logo. In the past, dual-currency cards that can choose settlement network could not be realized on chip cards, let alone migrated to chip cards.

　　So is it possible to issue a dual-label card using UnionPay Bin number? Relevant card organizers told the reporter of Beiqing Daily that this idea is feasible in theory, but it means that all international card organizations have to rebuild their systems overseas, which is very heavy and costly, and it will definitely not be completed in two or three years.

　　affect

　　Consumption abroad needs to bring two cards in the future.

　　The withdrawal of double-label cards from the historical stage also means that the convenience of "one card goes to the world" is over. In the future, if you want to have credit cards issued by UnionPay, Visa and Mastercard at the same time, you must apply for multiple credit cards.

　　Stopping issuing dual-label credit cards has little impact on cardholders who have no overseas credit card demand, but it will be inconvenient for users who often have consumption abroad demand. Because they need to apply for a single-label credit card from international card organizations such as Visa and Mastercard separately for consumption abroad. However, this kind of card can’t be used in China at ordinary times, and only UnionPay cards can be used in China. Therefore, in the past, one card can solve all the domestic and foreign credit card needs, but now it must be done with two cards.

　　In addition, for ordinary cardholders, the existing dual-currency credit cards often carry the card rights of foreign card organizations, and they can also enjoy the card preferential treatment provided by foreign card organizations. After the issuance of dual-currency credit cards is stopped, cardholders can no longer enjoy these rights and benefits if they only use UnionPay single-currency cards.

　　Some insiders said that the issue of stopping the issuance of double-label cards is only a document issued by the industry association for the time being, and there is no red-headed document from the authoritative department. Therefore, at this stage, banks have not stopped issuing new dual-label cards across the board. The existing dual-label cards can also be used normally until the expiration. Therefore, if there is a real demand and the dual-label card is more convenient, you can apply to the bank quickly, so that you can enjoy the convenience of the dual-label card at least in the next five years. Of course, the double-label card is a magnetic stripe card, and the card user needs to pay special attention to the safety of using the card.

　　question

　　Single-label foreign currency cards have limited use in China.

　　However, the issuance of single-label cards in China is not smooth sailing. After the efforts of all walks of life in recent years, we gradually feel the limitations of single-label cards.

　　First of all, the scope of use of single-label cards is very narrow. Apart from being used abroad, it can only be used in some rare places in China, such as high-end star-rated hotels, shopping malls and restaurants. On June 1st, 2015, Visa closed the transactions of Visa single-label cards issued by domestic banks in China. The foreign currency single-label credit card in hand can no longer be used in China except for overseas transactions. For people who don’t go abroad often, this kind of credit card tends to be marginalized. If they apply, they don’t have a chance to use it at ordinary times. If they don’t have a certain number of transactions, they will be charged an annual fee. If you don’t apply, it’s inconvenient to spend money when you want to travel abroad or on a business trip.

　　Secondly, except UnionPay card, other card organizations can’t bind Apple Pay to single-label cards issued in China, and the latest payment technology can’t be applied to these cards, which makes people feel sorry and can only envy friends and relatives abroad. The safety problem in daily consumption cannot be solved by adopting new technology, which makes people feel awkward.

　　Nowadays, many foreign currency single-label cards are issued and promoted under the slogan of "all-currency cards". The so-called all-currency card refers to the fact that the card no longer charges currency exchange fees when spending across currencies abroad. In many people’s eyes, the all-currency card is to spend Japanese yen in Japan, euro in Europe, or Thai baht in Thailand, but this is not the case. Most of the so-called all-currency cards are charged in US dollars and RMB. Generally speaking, foreign consumption is charged in US dollars, domestic consumption is charged in RMB, and some banks directly charge in RMB, regardless of the cardholder’s transactions at home or abroad.

　　Dual-label cards have made great contributions to the development of credit card market in China. When the clearing market in China is about to open, the relevant departments have once again emphasized the market rules that foreign currency single-label cards should follow. Although it has caused some pains to this kind of products, it is still of positive significance to the future credit card market in China.

　　Text/reporter Cheng Wei

Text |?Zhang jikang

Editor on duty |?Orb

Vision |?Linxi

Not long ago, Dong Mingzhu reused a female cadre and divided Wang Ziru’s right to speak on channel reform.Lu Luqun, the new sales director in charge of Gree’s household appliances business department, is also an "iron lady" who once won the defense war of Gree Hebei dealers with great vigour.Recently, when Dong Mingzhu punched in Hanfu in the ancient city of Luoyi, Lu Luqun was also her Hanfu girlfriends group.

Wang Ziru’s opponent is here.

Dong Mingzhu, who is quick to talk, has been searched again because of some remarks.

Recently, when Dong Mingzhu talked about his feelings about the hit drama My Altay, he said that "migrant workers can resign if they want to relax, which is a personal choice". Then he said, "Like me, I haven’t had a rest for more than 30 years. Do you think it’s a loss or a blessing?" Not surprisingly, the migrant workers who have just been "backstab" by Wang Ma are still angry with Dong Mingzhu’s remarks.

As the "Iron Lady" who has been at the helm of Gree for more than 20 years, Dong Mingzhu has always been known for her bold personality and quick words. existAfter the revenue has reached the best record in history, Dong Mingzhu still hangs on the hot search for many times because of his remarks such as "Dong Yuhui’s national sea election" and "not firing young people".

There is a hot search for all kinds of comments here, and Dong Mingzhu is not idle there, and he frequently moves his knife internally. Recently, Gree Electric has welcomed a new "Iron Lady"-Lu Luqun.

In May, Gree Electric issued two notices in succession, one was "Notice on the Establishment of Household Appliances Business Department", and the other was "Notice on the appointment of Comrade Lu Luqun". The former announced that Gree Electric would set up the first household appliances business department in history, while the latter announced that Lu Luqun would be the sales director of the department. From the rank point of view, Lu Luqun, together with Wang Ziru, head of the channel reform project, will become Dong Mingzhu’s right-hand man in channel reform.

"It can be said that Wang Ziru has ushered in a competitor," said Liu Buchen, a senior analyst in the home appliance industry. "Wang Ziru has always been responsible for the channel reform, but now the channel of ice washing business has been handed over to Lu Luqun. To some extent, Wang Ziru will try to prove himself. ".

As a manager whose exposure is far less than that of Dong Mingzhu and Wang Ziru, Lu Luqun himself is somewhat mysterious, but he has been deeply involved in the home appliance industry. According to public information, Lu Luqun graduated from Zhejiang University of Finance and Economics, and worked in Fangtai E-commerce Department and JD.COM Retail Appliance Division successively.

What made Lu Luqun famous was the fact that Xu Zifa, the general distributor of Hebei, turned against the water and sold Philips. In 2022, Xu Zifa, the general distributor of Gree Hebei, suddenly changed to sell Philips Electric Appliances. Lu Lu Qun, then CEO of Zhuhai Huange Digital Technology Co., Ltd., was appointed as the general agent of Gree Electric in Hebei, which helped Gree quickly stabilize the dealer relationship.

It is understood that Lu Luqun has stabilized the market of Hebei dealers. In the first quarter of this year, the order amount of Gree dealers in Hebei exceeded 1 billion, the middle and high-end sales accounted for over 55%, and the installation volume increased by 30% year-on-year, setting the best result in recent years. After this battle, Lu Luqun was highly valued and valued by Dong Mingzhu more and more.

According to Tianyancha data, Lu Luqun is also the chairman of Henan Gree Ice Wash Sales Company. It is worth mentioning that this company was established on May 15th, a week before Gree held a new product launch conference in Luoyang.

In the recent public appearances of Dong Mingzhu, besides Wang Ziru, there are also many figures of Lu Luqun. Dong Mingzhu punched in Hanfu in the ancient city of Luoyi, and Lu Luqun was her best friend group of Hanfu. Dong Mingzhu visited Luoyang workshop, and Lu Luqun followed around. At the new product launch conference in Luoyang, Lu Lu Qun wearing a blue shirt was also quite eye-catching.

This conference, which has no air conditioning, only refrigerators, washing machines and other new products, is also the first public appearance of Lu Luqun after taking up his new job. At the meeting, dressed in a blue suit and skirt, she introduced new products to the dealers present, and explained how Gree would increase the sales of household appliances such as refrigerators and washing machines that Gree was not good at through digitalization.

"I didn’t know Lu Luqun well before, and this is the first time I met her." A dealer present told the "city boundary", "I felt that she was very capable and should be a very capable leader." On the social platform, some dealers also requested to take photos with Lu Luqun, and Lu Luqun himself smiled and responded, which seemed very friendly.

According to the dealers present, Wang Ziru, who had been accompanying Dong Mingzhu that day, did not give a speech on the stage.

Dealers are under great pressure

Although air conditioners, refrigerators and washing machines belong to white electricity, they are interlaced like mountains.For today’s Gree, it is not easy to enter the ice washing track in the Red Sea.

"Gree’s brand label is too obvious, giving the public the impression that Gree is an air conditioner, and other businesses are definitely unprofessional," a veteran of the home appliance industry told the "city boundary". "Gree’s market share of washing machines and refrigerators is approaching zero. In the past few years, Gree’s Jinghong refrigerators still have some sales, and some Jinghong refrigerators on the JD.COM platform have sold tens of thousands of units. Looking at it now, the sales volume of a single unit is only a hundred digits. "

Jinghong refrigerator is one of the most famous brands in Gree’s ice washing business. Even so, it is hard to find its sales in the financial report. According to the data of Aoweiyun. com in April this year, Jinghong refrigerator can’t be found in the top 20 refrigerator brands in terms of online or offline channels.

"One is technology, and the other is pricing," the above-mentioned person said. "Jinghong refrigerator has no fresh-keeping technology, and the product pricing is a bit high. It may be that the management is too confident about its products."

"The lack of product strength itself is the fundamental factor that Gree can’t always sell white goods except air conditioners." Liu Buchen believes that "Gree has no breakthrough in white goods technology in recent years, and it is difficult to play an advantage because of the lack of explosive products. Air conditioners do well, which does not mean that refrigerators and washing machines can also do well."

On the other hand, the independent ice washing business is also facing greater channel pressure. Although Dong Mingzhu promised not to let dealers do business at a loss at the scene, judging from the increasingly tense relationship between dealers and Gree, it is also a difficult problem to persuade dealers to sell products that Gree has little advantage.

Since the impact of e-commerce, Gree Electric, which has always been inseparable from offline dealers, has gradually reformed its channels and marched online. In order to seize the lost market, Gree tried to attract consumers with low-price strategy, but it violated the interests of the huge offline distribution network, and the dissatisfaction accumulated day by day.

In 2020, Dong Mingzhu began live broadcast with goods, with 13 live broadcasts, with sales of 47.62 billion yuan, accounting for 27.93% of Gree Electric’s revenue that year. However, such achievements are sold at a price lower than the dealer’s price. According to media reports at that time, the price of one inverter air conditioner in Gree was close to 2,300 yuan, and the price of ordering in the live room was only 1,819 yuan.

How beautiful the live data is, how ugly the face of the offline dealer is. The offline staff told the "city boundary" that many air conditioners sold live at that time were contracted by dealers because of the low price. According to Dong Mingzhu, in the sales of a live broadcast, GMV diverted by dealers can reach one third of the total revenue.

However, just after the live broadcast of the 618 th National Congress in that year, the third largest shareholder of the company, namely Gree’s distributor channel alliance "Jinghai Internet" reduced its holdings by 110 million shares, accounting for 1.86% of Gree Electric’s total share capital, and cashed in more than 3.5 billion yuan.

"Dong Mingzhu stores, JD.COM, Tmall and offline stores have more channels, and consumers have started to shop around. In the past, an air conditioner could earn hundreds of dollars, but now it is a smile to earn a hundred." The above personnel said.

Such reform has also brought Gree Electric’s relationship with veterans who have worked hard together to a freezing point.

In 2021, Huang Hui, the CEO who was once known as Dong Mingzhu’s successor, joined Philips Air Conditioning, and Vinfom Hu, the assistant to the president, and Xu Zifa, a distributor in Hebei, also switched from Gree to Philips. Guo Shuzhan, a big distributor in Henan Province, joined Midea, while Duan Xiufeng, a big distributor in Shandong Province, started to operate the "fourth platform" to sell brands of electrical appliances such as Oaks, Gree Electric and Midea, and "everyone sells them".

Not only that, but the sales pressure of dealers is also getting bigger and bigger. Many dealers have to digest the backlog of inventory pressure by themselves. "Especially after 2020, Gree will introduce some special packages to dealers, but dealers need to raise some mid-to high-end machines in proportion, such as the Moon Goddess." Relevant persons from channels told the "city boundary" that "the goddess of the moon must be mentioned in the rebate, otherwise the rebate money will be gone."

As a high-end model launched by Gree, the performance of the Moon Goddess with a price of more than 8,000 yuan on the e-commerce platform is also unsatisfactory. In the flagship store jointly operated by Gree, a household appliance in JD.COM, the monthly sales volume of Moon Goddess is only 17 pieces.

"In the past, there were rewards for cashback every New Year Festival and Home Improvement Festival, but now there are very few, even if there are subsidies, there is a lot less." The person said.

Difficult to find the second curve

Integrating marketing, splitting channels, and promoting Lu Luqun, all kinds of actions show that Gree Electric doesn’t want to let the air-conditioning business be the only one.

Gree Electric mentioned in the original notice of "Establishing Household Appliances Business Department" that the functions and personnel of household air conditioner, small household appliances business department, ice washer and household appliances business department should be merged. In addition, Dong Mingzhu also indicated that it would set up independent sales companies for refrigerators, washing machines and household appliances in various provinces in China.

This means that Gree Electric will focus on the ice washing business in marketing, but in terms of channels, it will separate the air conditioning business, so that air conditioners, refrigerators and washing machines will no longer be sold together.

For a long time, the slogan "Good air conditioning, made by Gree" has been deeply rooted in consumers’ minds. Air-conditioning business has also consistently accounted for more than 70% of Gree Electric’s total revenue. Thanks to the influence of global warming, the air-conditioning industry ushered in a recovery last year, with the first positive growth in shipments in the past three years, which also enabled Gree Electric to achieve the best performance in history.

In 2023, the total revenue of Gree’s air-conditioning business was 151.2 billion yuan, up 12.13% year-on-year, which directly led Gree to break through the revenue mark of 200 billion yuan, up 7.82% year-on-year. On the other hand, the total revenue of household appliances business was only 4 billion yuan, accounting for only 1.96%, down 12.39% year-on-year.

In contrast, Midea’s HVAC revenue in 2023 was 161.111 billion yuan, accounting for 43.31% of revenue, but the revenue of consumer appliances was 134.692 billion yuan, accounting for 36.2% of revenue.

Air-conditioning business accounts for the bulk, which is closely related to Dong Mingzhu’s attitude of betting on air-conditioning. Before entering Gree, Dong Mingzhu read in the newspaper that the greenhouse effect leads to global warming, and residents’ income is getting higher and higher. She judged that the air-conditioning industry must make a lot of money in the future. As for other diversification measures, Dong Mingzhu has been less interested.

The most intuitive embodiment is in Gree’s cash flow. For a long time, Gree was a full cash cow, with abundant funds on the account, cautious investment in M&A, and less capital expenditure of the company. It is also known for its high dividends. On the one hand, this is the embodiment of Gree’s strong ability to resist risks, but on the other hand, there are many "dead money" in the account, which also means that Gree’s development strategy is more traditional and there is strategic confusion about where to go.

If the internal goal tends to be stable, then it must be the external environment that promotes its change. In the first half of 2015, Gree Electric lost the status of air conditioner boss and wasBeyond. Since 2020, Gree Electric’s air-conditioning revenue has been continuously surpassed by Midea Group, and the gap has widened from 3.3 billion yuan to 9.9 billion yuan in 2023.

It is also from these years that Gree Electric began to eagerly seek diversified layout. In 2021, the business composition of Gree’s annual report expanded from five to seven, with two more items called industrial products and green energy. From mobile phones, industryFrom new energy vehicles to prefabricated vegetables and semiconductors, Gree has entered the game. Some, such as Gree mobile phones, have gone up in smoke, and some have not brought obvious revenue in the short term. In 2023, the combined revenue of the two new businesses was only 8.34%.

On the other hand, Gree’s dependence on air-conditioning business is growing, from less than 70% in 2019 to more than 70% today.

In recent years, Dong Mingzhu’s revenue target for Gree Electric has also been gradually downgraded. In 2018, Dong Mingzhu said that the sales target of Gree Electric in 2023 was 600 billion yuan. After failing to achieve the target of 600 billion yuan, Dong Mingzhu changed his mind to double Gree Electric’s performance in the next five years, that is, to create a Gree in five years. However, where will this increase of 200 billion come from?

　　A 55-degree cup allows you to

　　Drink hot water anytime, anywhere

　　Rumor tracking: A variable-temperature water cup "55-degree cup", known as the drinking artifact, has become a hot topic of concern because of its magical function. Whether it is hot water or cold water, just pour it into a cup and shake it, and it can become 55-degree warm water suitable for people to drink. It is said that the water cup is a high-tech product with utility model patent, and its core lies in the function of heating and cooling through phase change materials.

　　Expert Interpretation: Wu Guangheng, a researcher at the Institute of Physics of the Chinese Academy of Sciences, said that professional tests showed that hot water dropped to 55 degrees and cold water rose to 37 degrees. The manufacturer claims to use the "high-tech" technology of phase change metal, and according to the test report, all the metals in it will not change phase in the temperature range of daily life. Its principle is very simple, there is no high-tech material at all, but the stainless steel layer is filled with salt water, and the hot water conducts heat to the cold water. The so-called high-tech materials are actually ordinary metals.

　　"Rose salt" contains trace elements.

　　Natural minerals can detoxify and protect skin.

　　Rumor tracking: pure natural, crystal structure, detoxification and skin care … On the Internet, "rose salt" once attracted many people’s favor. Merchants claimed that "rose salt" came from Himalaya, Pakistan and other places, containing 84 kinds of trace elements and natural minerals, without adding anti-caking agents, which is more beneficial to health than ordinary salt.

　　Expert Interpretation: Yan Shichun, president of Jinan Food Industry Association, said that "rose salt" is actually a kind of crude salt, which is pink because it contains more impurities, and it does not have the health care effect claimed by merchants. There is little difference between the sodium content of "rose salt" and refined salt. The sodium content of pure salt is 39.36%, which is not much different from the sodium content of "rose salt" claimed by merchants of 38.78%. In terms of trace elements, although there are many elements such as iron and calcium in "rose salt", these elements can be obtained from daily diet, and the amount of salt people consume every day is very limited, so the trace elements in salt can’t play the role advertised by merchants. The so-called health care and other effects are just publicity gimmicks of businesses. He reminded consumers that "rose salt" should not replace ordinary salt for a long time, and should try to use iodized low sodium salt.

　　Strawberry pesticide exceeded the standard by 7 times.

　　Eating too much is easy to cause cancer.

　　Rumor tracking: In April this year, some media reporters randomly bought 8 strawberry samples from several farmers’ markets and supermarkets in Beijing for testing. The results showed that the pesticide acetochlor in strawberries exceeded the standard, and the highest residue was 0.367 mg kg, which exceeded the standard by more than 7 times. Acetochlor is classified as a class 2B carcinogen, which may cause cancer if it is used in large quantities for a long time.

　　Expert Interpretation: Yun Wuxin, a master of nutrition and food research, said that acetochlor is one of the most widely used herbicides in China. Compared with American standards, China has stricter regulations on the detection of acetochlor, which can only be detected in brown rice, corn, soybeans, peanuts and rapeseed, and the residue limit is lower. If it is really used in strawberries, it is illegal and should be severely cracked down. However, acetochlor is a kind of pre-bud-blocking herbicide, which is generally used before crops sprout, and there is generally no high residue until strawberries mature. Moreover, acetochlor will kill strawberry seedlings and affect the harvest, and it will not be used in large quantities during planting.

　　Then, will eating a large number of strawberries with excessive pesticide residues for a long time be toxic and carcinogenic? According to Chinese standards, the daily allowable intake (ADI) of acetochlor is 0.02 mg/kg body weight. In the report, the highest content of acetochlor detected in strawberries is 0.367 mg/kg. If this reference value is followed, an adult weighing 50 kg will have to eat more than 2.72 kg of this strawberry every day to exceed the range. Even in Europe with stricter requirements (the European Union does not allow the use of acetochlor), the European Food Safety Agency (EFSA) estimates that the ADI of acetochlor is 0.0036 mg/kg body weight, and an adult weighing 50 kg will eat 490 grams of strawberries every day to exceed this range. The cultivation of strawberries is also limited by seasons. It is unrealistic for most people to eat so many strawberries every day.

　　DIY fruit ferment

　　Can help you detoxify and lose weight

　　Rumor tracking: Recently, many online posts titled "Homemade Fruit Enzymes Can Detoxify and Lose Weight" have been reprinted in large numbers on the Internet. According to the instructions in the net post, you can cut seven or eight kinds of fruits casually, add water and a lot of sugar, and seal and ferment for weeks or even months to get a bottle of so-called "enzyme stock solution".

　　Expert Interpretation: Lv Wanyong, a senior nutritionist in China, pointed out that the essence of enzymes is actually enzymes. The enzyme is protein, which will denature or even decompose under the action of protease in gastric acid and digestive juice after oral administration, thus losing its biological activity. The method of self-made fruit enzyme is essentially a natural fermentation. However, the content of enzyme in the whole fermentation broth is very low, which can not reach the effective amount, and other components in "fruit enzyme", such as lactic acid and alcohol, as the main fermentation products, can not reach the effect of "fruit enzyme".

　　Eating’ fruit enzyme’ may also cause certain harm to health. A large amount of sugar needs to be added when making homemade enzymes, which increases the sugar intake. In addition, in nature, the microbial composition on the surface of fruit is very diverse, except for yeast or lactic acid bacteria needed for fermentation, there are other microorganisms that may be harmful. A little carelessness in the production process makes the mixed bacteria grow rapidly in the fermentation process, so the "fruit enzyme" produced in this way will not only not be healthy, but will pose a threat to health.

　　Rootless bean sprouts are easy to cause precocious puberty in children.

　　Rumor tracking: Rootless bean sprouts refer to the rootless and tender bean sprouts produced by adding "rootless water" when bean sprouts are cultivated. The "rootless bean sprout essence" used by bean sprout producers is a hormone pesticide that can make bean sprout cells divide rapidly, and it has the same carcinogenic and teratogenic effects on human body as nitrogen fertilizer. Even if the intake of hormone drugs for human use is excessive, it will do some harm to the human body, such as precocious development of children, physiological changes of women, osteoporosis of the elderly and so on.

　　Expert Interpretation: Experts pointed out that rootless bean sprouts are not only nontoxic, but also contain essential trace elements for human body. The Anti-Cancer Institute in Texas, USA and food experts in Sweden also found that bean sprouts can reduce gastric cancer, esophageal cancer, lung cancer, skin cancer and bladder cancer. B12 in bean sprouts is 10 times higher than the original bean seeds, which is of great benefit to human nerves and liver. The scientific discovery and certification of these experts are very convincing.

　　The so-called "poisonous bean sprouts" is to add "rootless water" (that is, 6- benzyl adenine and other substances) to produce rootless and tender bean sprouts. In fact, 6-BA is widely used in agriculture, fruit trees, horticulture and even crops, and has achieved good results in both yield increase and preservation. Moreover, according to China’s regulations, it can be used for the production of pollution-free fruits. The existing evidence shows that 6-BA and other plant growth regulators are safe, and the management measures of relevant departments in China can also prove their safety.

　　Infant feeding should use "baby water"

　　Rumor tracking: Not long ago, there appeared all kinds of strange water on the market: moon water, pregnant women’s water, baby water, etc. These waters not only have strange names, but also have ridiculously high prices, because they add more trace elements, which are more nutritious than ordinary water and more suitable for infants and pregnant women to drink.

　　Expert Interpretation: Yu Liang, a member of Beijing Dietitians Association and one of the top ten national gold medal nutrition lecturers, said that the purpose of drinking water is to supplement water and a small amount of minerals. In fact, as long as it is clean and hygienic ordinary drinking water, it is enough to meet people’s daily needs, and babies are the same. Drinking water does not need to make a fuss about special people. Although pregnant women, nursing mothers, infants, students and other people during pregnancy and childbirth do need more nutrients than ordinary people, such as iron, calcium, zinc, DHA and so on. However, the amount of soluble nutrients in water is saturated, and it is almost impossible to increase the content of nutrients in water through additional addition, not to mention that DHA is a lipid and cannot be dissolved in water at all. In addition, because the intake of minerals mainly depends on food, there is no need to worry about the lack of nutrition caused by pure water with few minerals. Therefore, it is useless to make "baby water" by strengthening minerals with water.

　　Eat red meat and processed meat.

　　May cause cancer easily.

　　Rumor tracking: The International Agency for Research on Cancer under the World Health Organization assessed the carcinogenicity of red meat and processed meat products, and issued a conclusion on October 26th, which listed processed meat products (ham, sausage, jerky and other processed meat products) as the first-class carcinogen, and considered that eating red meat (fresh red meat, that is, the meat of mammals such as cattle, sheep and pigs) may cause cancer, so it was classified as "with high carcinogenicity".

　　Expert Interpretation: Barry, President of American Meat Industry Association? Carpenter said that this result "is completely unsuitable for human health and belongs to theoretical danger". Cancer is a complex disease that is not caused by a single food, and a balanced diet and a healthy lifestyle are essential to health.

　　The WHO representative office in China responded to this statement. Regarding the carcinogenic risk of processed meat, it is actually a reaffirmation of the report submitted in 2002. The original intention is not to stop people from eating meat, but to remind people to eat meat reasonably and reduce possible dietary risks. At the same time, it is also said that the processed meat products are classified as first-class carcinogens, which only shows that "there is enough medical evidence and animal experiments to prove that it can cause cancer". In fact, the risk or ability of meat carcinogenesis is very low.

　　Drinking soybean milk may lead to breast cancer.

　　Rumor tracking: A 45-year-old woman bought a soymilk machine to grind soymilk by herself, and took soymilk every morning for nearly three years. Later, she was diagnosed with breast cancer in physical examination, and her estrogen level was several times that of ordinary people. The report that drinking soybean milk caused breast cancer caused people’s panic.

　　Expert Interpretation: Professor Zhang Hua, former director of the Nutrition Department of the 309 Hospital of the People’s Liberation Army, said that the statement that drinking soy milk can cause breast cancer is unfounded and untenable. The so-called phytoestrogen is not a hormone, but two concepts and two substances with estrogen in human body. In fact, this estrogen-like substance exists in most plants, especially in flax seeds, food products, beans and fresh vegetables and fruits. Because people equate phytoestrogen with estrogen, it leads to the strange theory that drinking soybean milk causes cancer. Experts said that most people in Chinese like to drink soy milk or eat soy food, but the probability of women suffering from breast cancer in China is lower than that in Europe, America and other countries. Drinking soy milk or eating soy products will not actually lead to breast cancer. On the contrary, eating soy products is good for the human body.

　　Bubble tea is prone to intestinal obstruction.

　　Rumor tracking: In late October, a CT picture of a netizen’s stomach after drinking bubble tea was circulated on the Internet. The picture shows that after drinking bubble tea for half an hour, many undigested white dots still appear in the stomach of netizens. These dots are the "pearls" in milk tea. Because these pearls are all made of plastic, they are easy to cause gastroptosis and even intestinal obstruction if they are not digested.

　　Expert Interpretation: Ruan Guangfeng, an expert from the Food and Nutrition Information Exchange Center, pointed out that the "pearl" in bubble tea is actually a round product made of starch as the main raw material, and cassava starch is commonly used. In addition, in order to have a good taste and chewiness, some wheat protein and food additives will be used. Wheat protein is a kind of protein. Except for some people who are allergic to wheat, wheat protein will not cause any harm to human body.

　　All starchy foods will produce dextrin after entering the digestive tract, which is the degradation product of incomplete hydrolysis of starch. Usually, foods containing starch, such as eating bread, are gradually decomposed into dextrin and glucose after entering the digestive tract before being absorbed by the human body. Whether "pearl" can cause intestinal obstruction is related to the gastrointestinal absorption function of consumers and all foods. People with poor gastrointestinal function, such as children and the elderly, drink a lot of bubble tea, which is not only easy to cause poor gastric emptying, but also dangerous to inhale into organs. Therefore, you should chew slowly when eating, especially foods such as pearl powder balls.

　　Waxing apples may cause cancer.

　　Rumor tracking: Recently, a video of "Apple Waxing" spread in the circle of friends. In the video, a gloved employee smeared a reddish-brown liquid evenly on the apple, and the color of the apple was "radiant" immediately. This video has caused some people to question, and some netizens even said that eating waxed apples is easy to cause cancer.

　　Expert Interpretation: Ruan Guangfeng said that waxing is allowed on the surface of fruits in China. According to the Hygienic Standard for the Use of Food Additives, morpholine fatty acid salt (also known as fruit wax) and carnauba wax can be used as coating agents on the surface of fresh fruits. Waxing looks fresher and brighter in order to prevent water loss and insect erosion during apple production and transportation. This kind of wax is a food additive, and it will not be harmful to human body if used reasonably.

　　But some unscrupulous vendors will use industrial wax to save costs. The composition of industrial wax is complex, and it may contain heavy metals such as lead and mercury, which will bring risks to human health. However, this risk is potential and unknown at present. As for the carcinogenesis of waxed apples, it is completely unfounded and exaggerates the risk. Experts suggest that if you are worried about health problems, you can peel apples and eat them. If you don’t want to peel them, you can clean them reasonably.

　　Vegetable oil cooking can cause cancer

　　Rumor tracking: British researchers heated different kinds of cooking oils in the laboratory, and measured the content changes of aldehydes, which are "carcinogenic poisons". They concluded that cooking with vegetable oils such as corn oil or sunflower oil may lead to many diseases, including cancer, and suggested using olive oil, coconut oil, butter and even lard instead of ordinary vegetable oils.

　　Expert Interpretation: Fan Zhihong, Center for Nutrition and Food Research, China Agricultural University, said that the experimental results of scientists can only show that the oil rich in polyunsaturated fatty acids is not suitable for frying, not a carcinogenic problem.

　　First of all, the conditions used in the study are quite different from those used in ordinary home cooking. The temperature used in the experiment is 180℃, which is about 50% to 60% hot, and it can only be achieved when a large number of foods are fried at this temperature. Usually, the time for burning oil during cooking is far less than that.

　　Secondly, for frying oil, China Standard [4] stipulates that the carbonyl value should not exceed 50meq/kg (mg equivalent/kg), which includes the total amount of aldehydes and ketones. It can be considered that there is no obvious adverse effect on health when the content does not exceed this limit. Considering that domestic cooking rarely fries food continuously, there is no need to worry too much. The thermal stability of butter and lard is indeed better, but it is too one-sided to choose only one factor. Frying and excessive intake of saturated fat are unhealthy diets, and reasonable cooking and balanced diet are the most important.

The People’s Bank of China announced on April 22nd that in order to ensure the effective implementation of the Regulation on the Supervision and Administration of Non-bank Payment Institutions (hereinafter referred to as the Regulation), the Detailed Rules for the Implementation of the Regulation on the Supervision and Administration of Non-bank Payment Institutions (Draft for Comment) (hereinafter referred to as the Detailed Rules) have been drafted. As the first administrative regulation issued in the financial field after the Central Financial Work Conference, the Regulations have redefined the payment business and classified it into two categories: stored value account operation and payment transaction processing. However, the specific classification method and the corresponding relationship between the old and new payment services need to be further clarified. Therefore, the Detailed Rules for Implementation aims to clarify the transitional arrangements, the connection between old and new payment services and other issues, so as to promote the smooth transition of the non-bank payment market.

Non-bank payment refers to payment services provided by non-bank institutions such as WeChat and Alipay, such as code scanning payment or transfer. According to the data of the People’s Bank of China, the business volume of such services has continued to grow at a high speed in recent years, and the annual transaction volume has exceeded 1 trillion, involving nearly 400 trillion yuan, serving more than 1 billion individual users and tens of millions of merchants. In view of the close relationship between payment business and public property safety, the "Regulations" and "Implementation Rules" aim to urge all payment institutions to operate according to laws and regulations and effectively protect users’ rights and interests.

Regarding the impact of the Implementation Rules on payment institutions, the central bank fully considered the possible impact of relevant provisions on the operation of payment institutions and the payment service market during the formulation process, and reserved sufficient transition period for existing payment institutions. At the same time, we strive to ensure that the same licensing matter follows the unified review standards and promote the openness, transparency and standardization of the administrative licensing work of payment institutions.

The specific impact is mainly reflected in:

1. Adhere to administration according to law. The Implementation Rules strictly follow the administrative licensing items set by the Regulations and refine the relevant work requirements and processes, aiming at improving the transparency, decision-making basis and process standardization of the administrative licensing work of payment institutions. In addition, the approval authority of some payment institutions will be appropriately decentralized to optimize the business environment ruled by law.

2. Insist on striving for progress while maintaining stability. The Detailed Rules for Implementation continues the previous regulatory thinking and macro-policy orientation, clarifies the connection mode between old and new payment services, and sets a long transition period, so that stock payment institutions have a transition period of nearly five years to ensure that their business license scope remains unchanged and achieve a smooth transition.

3. Adhere to both standardization and development. On the basis of giving consideration to development and safety, and according to the reality of the rapid development of the payment market, after full communication, the Implementation Rules moderately raised the requirements for registered capital and net assets, aiming at enhancing the risk resistance of payment institutions, strengthening corporate governance and steady operation, and better serving the real economy.

With regard to the registered capital requirements that have attracted much attention, Article 8 of the Regulations stipulates that the minimum registered capital of non-bank payment institutions is RMB 100 million, which will be increased according to relevant rules. Specifically, the minimum added value of registered capital of payment institutions engaged in multiple business types at the same time will be calculated cumulatively according to business types and business geographical scope and relevant regulations. This means that the minimum registered capital of a nationwide payment institution with a full license should be 400 million yuan.

What are the foods in Shanghai Disneyland? What is the cost performance? On May 23rd, the article "Tips for Eating Food in Shanghai Disneyland" was pushed by WeChat WeChat official account, and it was introduced in detail. The following is the full text:

I walked 18,000 steps in one day, went to Disney three times, and went to 18 restaurants and dining cars in the size of the park. I didn’t let go of the popcorn dining cars in five parks. I tasted, photographed and commented. For this upcoming Disney food secret, Taurus said that before entering the park, I waited for it, and when I left the park, I was enough to eat a work-related injury. You can choose the fourth price:

50 yuan didn’t have an appetizer.

[Corn Hot Dog] 25 yuan

Squeeze in the included yellow mustard sauce, and eat it in one bite. The outside is corn flour similar to bread, and the inside is sausage, which is thicker than ordinary sausage, just like the difference between S and L, and it is very cost-effective as a snack.

[Dessert Foreign pastry] 25-45 yuan

In chef Xiaomi’s bakery, sweet apricot Denmark and sour cherry Denmark are also in 25 yuan. If you want to eat fruit tower and Mickey’s chocolate tower, 45 yuan can also handle it.

[Fruit Cup] 20-35 yuan

Generally, the fruit cup in the restaurant is 35 yuan, and in Chichititi fruit stall, the mixed fruit cup and the raisin cup are only 20 yuan.

55 yuan "tears" online celebrity.

Now online celebrity = popularity = queuing, this is the online celebrity of Disney food industry-turkey leg. Back then, a turkey leg was sold at Disneyland in Los Angeles, California for $9.99. The price in Shanghai Disneyland is 55 yuan RMB, and the price difference is not big, but the size is thinner than that in California, but compared with the turkey leg in Tokyo Disney, the size in Shanghai still wins. The flavor of Disney turkey legs will vary from place to place.

And in Disney, California, turkey legs are wrapped in food wrapping paper and put in trolleys to keep them moist and lock in water. In Shanghai Disneyland, the turkey leg is streaking, and you will be given disposable gloves. It is its duty to make a nice (tear-resistant) chicken leg.

100 yuan is not full.

100 yuan in hand has many choices in Shanghai Disneyland. Except for a grilled prawn, all the staple food packages are below 100 yuan.

[Hamburg] 75-80 yuan contains a drink.

If you want to eat quickly and go to HIGH, the hamburger set meal on Tomorrow’s World Star Terrace is the first choice. A cheeseburger with French fries and a drink will make a total of 80 yuan. Even a big stomach king can eat enough.

[Pizza] 85 yuan contains a drink.

Looking for a star Mickey-shaped pizza, you should go to Pinocchio country kitchen in the dream world, and choose the taste of Beijing roast duck. 85 yuan contains a drink.

[Rice] 85-95 yuan contains a drink.

Want to eat? Let’s go to Barbosa for a barbecue and choose a set of grilled ribs, or a grilled squid with Shanghai cuisine rice. 95 yuan and 85 yuan both contain drinks (the children’s meal in Barbosa is around 60 yuan).

368 yuan enjoys the mood

For those who want to have a big meal, the Royal Ballroom located in Disney Castle is just right for you. For 368 yuan, you can get a three-course western-style set meal of appetizer+staple food+dessert, as well as various soft drinks. Children aged 10 and under have a children’s menu, and the price is 258 yuan. Note: The above packages are subject to 15% service charge (reservation is required in advance). Choose 1 from 4 appetizers, 1 from 6 staple foods and 1 from 4 desserts. You can also enjoy the benefits of taking photos with Disney princesses-there are also princesses downstairs in the castle, and the queue is at least half an hour.

Jinniu NV DIY chaozhi packages

Big stomach king ★ Two positive meals and one snack 95+55+80=230 yuan.

1. Go straight to Barbosa BBQ for lunch, which is a popular king with a big face-grilled ribs set meal, with drinks in 95 yuan.

2. After playing the super-fast Nimbus, go to the turkey leg dining car and buy a big chicken leg to suppress the alarm, and 55 yuan can run around the garden again.

3. Dinner is the No.1-Cheese Beef Burger Set in Star Terrace Restaurant, and 80 yuan contains French fries and drinks.

Bird’s stomach ★ One positive and two snacks 50+45+20=115 yuan

1. A German sausage sandwich, 50 yuan, is poured with authentic sauerkraut, which relieves the greasy sausage and gives consideration to appetizing.

2. In the afternoon, I will go to Pa Parinaud to hold a piece of Donald Duck ice cream waffle 45 yuan. (Only after the official opening of the park)

3. Fruit-loving birds don’t forget to buy a mixed fruit cup or a raisin cup at Chichititi fruit stand, only in 20 yuan.

Dessert stomach ★ Full sweet honey 35+45+25+15=120 yuan

1. First, let’s have a raspberry finger puff 35 yuan produced by chef Xiaomi’s bakery.

2. As for afternoon tea, I am most looking forward to a Mickey-shaped chocolate tower 45 yuan. Remember to take English black tea from 15 yuan.

3. 25 yuan Curiosity Bar sold in the dining car of Paradise.

Cost-effective list

▲ high cost performance

TOP1 Jingwei Braised Mutton Tendon Package 85 yuan

TOP2 Grilled Rib Package 95 yuan

TOP3 Turkey Leg 55 yuan

TOP4 Corn Hot Dog 25 yuan

▼ Low cost performance

TOP1 Mickey Steamed Bun 35 yuan

TOP2 Gluten Stuffed Meat Package 75 yuan

TOP3 pretzels 30 yuan

TOP4 cucumber lemon special drink and lemon pomegranate special drink are all in 25 yuan.

★ Hot water and cold water

The details of Disney are really nuanced. First of all, there is a self-service water dispenser in the park, and hot water supply is also provided in many restaurants.

★ swipe your card

Most dining cars in the park mainly collect cash, while restaurants can swipe their cards. It is understood that Paradise has agreed with the payment company that the consumption below 300 yuan does not need to be signed.

　　[Autohome new car listing] Recently, we learned from the official,(|)新增文旅-智达版车型，售价为23.98万元。作为新增车型，定位于620智能版和520智享版中间，并且在车型配置上有一定变化。同时其他几款车型在配置上也有一定的调整，详细信息见下表：

　　具体来看，配置变化主要在410精英版、港商汇版、520智享版、文旅-智达版四款车型。港商汇版、520智享版、文旅-智达版三款车型的安全带未系提醒都改为“前排”。智享版和智达版配备了360°全景影像和驾驶疲劳提醒。精英版增配了高清倒车影像功能。精英版和智享版都增加了外后视镜的自动加热和折叠功能，电动尾门也成为标配。智享版在此基础上还增加了感应功能。

　　内饰配置上，精英版增加了64色音乐氛围灯和真皮方向盘。此外，精英版和智享版还都增加了主副座椅的电动调节和座椅加热功能，港商汇版在此基础上增加了腰部支撑、脚托以及睡眠头枕。四款车型的中控屏幕都配备了12.8英寸的彩色液晶显示屏。520智享版和文旅-智达版还新增了多项智能化车机功能，并且智享版还将流量资费调整成为5G/月免费。值得一提的是，港商汇版是这四款车型中唯独具备一键健康睡眠等功能的车型。

　　动力方面，新增车型文旅-智达版将配备55.33Kwh的三元锂电池组，并配备单电机，最大功率150千瓦，最大扭矩320牛·米，0-100km/h加速时间7.7秒。CLTC工况下续航为410km，支持快充，0.5小时可将电量从30%充至80%。（文/汽车之家 姚宇）

　　[Long-term test] At first, X6 was built on the basis of X5, and GLE Coupe was built on the basis of GLE. Although X4 and GL were relatively cheap later, the high price of luxury brands still made them only a few people’s things. Until a while ago, a car appeared, so that ordinary consumers can also come into contact with this Coupe style, and the price is less than 200 thousand, isn’t it attractive? Well, that’s it.

　　Hello, everyone, I’m Hou Yunfeng, the evaluation editor. I’m always called "Monkey Brother" at ordinary times, and I’ll perform the CX-4 long test this time. I also have a partner, that is, Wang Xilin, the car critic of our Car Encyclopedia. Why is she sitting on a somersault cloud? Because Cece recently had a bad cold and had to go to the hospital for infusion every day, she couldn’t catch up with the first issue, but she told me to take a group photo together, so I had to put her on the P. Don’t worry, everyone. After Cece recovers, she will come back to bring you long-term test content.

　　During the long-term test for half a year, CX-4 will be used as the daily commuter car for me and Sisi, and it will be used in turn. I commute 70 kilometers every day, and Sisi needs 50 kilometers. The distance is far and it is also very blocked. During this time, we will experience the fuel consumption, power, space and maintenance of CX-4, and strive to bring you the most authentic car experience. If you have any questions about CX-4 or want us to answer them, you can leave a message on my editing blog or Cece’s Weibo.

● Brief introduction of long measuring vehicle

　　Let’s talk about the test car first. The 2016 Mazda CX-4 2.5L automatic four-wheel drive Blue Sky Passion Edition has a long name, and it is the second best in the whole system. It is also the low match in two 2.5L cars, with a guide price of 192,800. Why did you choose it in the 2.0L five-car and 2.5L two-car? The reason is very simple. The power performance of the 2.5L model is better, and the 19-inch big feet are more in line with the Coupe shape. I believe that the friends who buy CX-4 are mainly for the face value and power, otherwise why don’t I buy a 2.0L one? Compared with the 2.5L high allocation, the power and four-wheel drive are the same, but some configurations are missing. Generally speaking, this car has a high cost performance and is suitable for friends who love driving.

　　From the first time I saw CX-4, I was attracted by its Coupe shape, which was really handsome and personalized, and the rate of turning back on the road was not low. The 19-inch big feet are particularly air-lifting. It looks much stronger than the 17-inch model of the 2.0L model, and the tires are thick enough. You don’t have to worry about running over potholes and manhole covers. It’s quite good.

　　However, CX-4′ s handsome big slip back shape has many troubles in daily use, and the rear windshield has a poor view. Once, three colleagues sat in the back row and went out together, and almost nothing could be seen in the rearview mirror. Moreover, it rains frequently these days, no matter it is light rain or heavy rain, as long as it falls on the rear windshield, it will be difficult to slide down, and it will be blurred if it gathers too much. When I used to drive an SUV or a car, I didn’t drive it very often. If I switch to CX-4, I must keep it open, otherwise I really can’t see it.